Call reports 2006
CITIZENS STATE BANK — 2006
What CITIZENS STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 94,401,000 | 91,049,000 | 94,229,000 | 98,214,000 |
| Total loans | 46,433,000 | 51,146,000 | 57,799,000 | 51,214,000 |
| Allowance for loan losses | 1,258,000 | 1,256,000 | 1,254,000 | 1,254,000 |
| Securities available for sale | 29,875,000 | 30,644,000 | 28,245,000 | 28,454,000 |
| Securities held to maturity | 1,209,000 | 1,195,000 | 1,185,000 | 1,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,522,000 | 80,216,000 | 74,435,000 | 86,451,000 |
| Interest-bearing deposits | 67,662,000 | 65,496,000 | 60,283,000 | 71,086,000 |
| Noninterest-bearing deposits | 15,860,000 | 14,720,000 | 14,152,000 | 15,365,000 |
| Equity capital | 10,384,000 | 10,468,000 | 11,151,000 | 11,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,383,000 | 2,856,000 | 4,372,000 | 5,868,000 |
| Interest expense | 424,000 | 913,000 | 1,402,000 | 1,884,000 |
| Net interest income | 959,000 | 1,943,000 | 2,970,000 | 3,984,000 |
| Noninterest income | 82,000 | 228,000 | 459,000 | 572,000 |
| Noninterest expense | 724,000 | 1,440,000 | 2,162,000 | 2,878,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 317,000 | 731,000 | 1,267,000 | 1,678,000 |
| Income tax | 101,000 | 242,000 | 420,000 | 549,000 |
| Net income | 216,000 | 489,000 | 847,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,780,000 | 11,053,000 | 11,411,000 | 11,693,000 |
| Total capital | 11,512,000 | 11,844,000 | 12,277,000 | 12,508,000 |
| Risk-weighted assets | 58,053,000 | 62,791,000 | 68,895,000 | 64,760,000 |